{"version":"1.2.0","chapters":[{"startTime":0,"endTime":37.59},{"startTime":37.59,"endTime":39.19},{"startTime":39.19,"endTime":148.43,"title":"Understanding January's Challenges"},{"startTime":148.43,"endTime":206.78,"title":"Understanding January's Financial Challenges"},{"startTime":206.78,"endTime":258.96,"title":"Preparing for Financial Surprises"},{"startTime":258.96,"endTime":378.11,"title":"Preparing for a Peaceful New Year"},{"startTime":378.11,"endTime":437.38,"title":"Planning for a Peaceful New Year"},{"startTime":437.38,"endTime":474.798,"title":"Preparing for the New Year with Confidence"}]}